C & F Financial (CFFI) Net Margin (2011 - 2026)
C & F Financial's (CFFI) quarterly Net Margin came in at 21.11% in Q2 2026, down 26.0% on a YoY basis from 28.52% in Q2 2025, and up 12.65% quarter-over-quarter from 18.74% in Q1 2026.
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Analysis
C & F Financial (CFFI) Net Margin (2011 - 2026) Analysis & Trends
C & F Financial (CFFI) has reported Net Margin for 16 consecutive years, with 21.11% the latest figure, recorded in Q2 2026.
- For the quarter ending Q2 2026, Net Margin fell 26.0% year-over-year to 21.11%; the trailing twelve-month figure through Jun 2026 stood at 19.05% (up 138.0% YoY), and the FY2025 full-year result was 17.86%, up 359.0% from the prior year.
- Net Margin rose to 21.11% in Q2 2026 per CFFI's latest filing, from 18.74% in the prior quarter.
- Across five years, Net Margin topped out at 27.65% in Q4 2022 and bottomed at 11.21% in Q1 2024.
- Historically, Net Margin has averaged 18.89% across 5 years, with a median of 19.29% in 2025.
- The sharpest annual moves came in 2022 and 2023: Net Margin surged 934 bps in 2022, then tumbled 1385 bps in 2023.
- Over 5 years, Net Margin stood at 27.65% in 2022, then slumped by 50 bps to 13.8% in 2023, then grew by 17 bps to 16.15% in 2024, then grew by 1 bps to 16.31% in 2025, then grew by 29 bps to 21.11% in 2026.
- According to Business Quant data, Net Margin over the past three periods registered 21.11%, 18.74%, and 16.31% for Q2 2026, Q1 2026, and Q4 2025 respectively.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Net Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Banco Santander Chile | 950.85 Bn | 950.85 Bn | - | - |
| 2 | Truist Financial | 61.46 Bn | 61.46 Bn | - | 28.85% |
| 3 | Fifth Third Bancorp | 49.43 Bn | 25.71 Bn | - | 23.30% |
| 4 | M&T Bank | 34.72 Bn | 34.72 Bn | - | 30.85% |
| 5 | Huntington Bancshares | 33.60 Bn | 29.07 Bn | - | 24.18% |
| 6 | Citizens Financial | 29.31 Bn | 29.31 Bn | - | 24.27% |
| 7 | Regions Financial | 25.53 Bn | 25.53 Bn | - | 28.79% |
| 8 | First Citizens Bancshares | 24.60 Bn | 24.07 Bn | 29.00 Mn | 864.86% |
| 9 | Keycorp | 23.26 Bn | -24.44 Bn | - | 24.18% |
| 10 | C & F Financial | 304.24 Mn | 162.22 Mn | 40.46 Mn | 21.11% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 21.11% |
| Mar 31, 2026 | 18.74% |
| Dec 31, 2025 | 16.31% |
| Sep 30, 2025 | 19.75% |
| Jun 30, 2025 | 21.36% |
| Mar 31, 2025 | 16.56% |
| Dec 31, 2024 | 16.15% |
| Sep 30, 2024 | 16.20% |
| Jun 30, 2024 | 16.16% |
| Mar 31, 2024 | 11.21% |
| Dec 31, 2023 | 13.80% |
| Sep 30, 2023 | 18.83% |
| Jun 30, 2023 | 19.76% |
| Mar 31, 2023 | 19.93% |
| Dec 31, 2022 | 27.65% |
| Sep 30, 2022 | 21.45% |
| Jun 30, 2022 | 23.97% |
| Mar 31, 2022 | 21.08% |
| Dec 31, 2021 | 18.31% |
| Sep 30, 2021 | 23.44% |